That's really the only part that I can see as potentially negligent, if the card wasn't checked. On page 4 there's some discussion about cards being checked or not on that particular trip, so I guess it's possible that hers wasn't checked. But maybe it was.
I don't think I have ever had a card checked on the boat. That has always been taken care of when I signed up for and paid for the dive itself. If someone asked me for my card while I was on the boat, I would usually not be able to produce it. I rarely bring it with me on the actual dive.